Evaluation of M-Payment Technology and Sectoral System Innovation—A Comparative Study of UK and Indian Models

Webb, Heather; Liu, Shubo; Yan, Min‐Ren

doi:10.3390/electronics8111282

Cited by 5 publications

(5 citation statements)

References 56 publications

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“…Continent Specific region/country [1] Asia Indonesia [2] Asia China [5] Asia Thailand [11] Asia Pakistan [17] Asia China [20] Asia Indonesia [25] Asia India [26] Asia India [43] Asia Japan [45] Asia North Korea [47] Asia Malaysia [61] Asia South Korea [64] Asia Taiwan [83] Asia Thailand [89] Asia Pakistan [96] Asia Malaysia…”

Section: Citationmentioning

confidence: 99%

“…Since performance expectancy have significant impact on value, it follows that functionality of technology significantly predicts perceived value [89]. To a large extent, the experience of users with (and interest in) computers and the internet influences their propensity to use mobile payment apps [73].…”

Section: Technology and Innovativeness (Ti)mentioning

confidence: 99%

“…Social influence is defined as performing certain actions with the views of others in mind [101]. A significant impact of social influence on behavioral intention was observed in [89],…”

Section: Social Influence (Si)mentioning

confidence: 99%

See 2 more Smart Citations

Mobile Payment Applications in Countries with Low Financial Inclusion: A Multi-stakeholder Perspective Review

Stephen B. U.,

Archibong E. E.,

Asuquo P. M.

2024

JERR

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Aims: Mobile payment apps have become the most used mobile payment system, especially in underbanked regions. It has come be the most viable way of promoting access to and use of quality financial services, at affordable cost. As far as review works on use/adoption of mobile payment apps in low financial inclusion countries go, presentation has been from users’ perspective. Thus, under-emphasizing the challenges of other members of the m-payment app ecosystem. The work aims at describing such general challenges from the lenses of users, regulators and merchants of mobile payment apps. Also, pros and cons of some specific mobile payment apps in these regions are also provided in the work. Place and Duration of Study: The review covered literature covering m-payment adoption in low financial inclusion countries i.e. Asian and African countries, spanning 2015 to 2023. Methodology: In selecting the literature, we considered only journal publications considering specifically m-payment apps, and written in English. To achieve a measure of spread, major regions in the two continents were considered, and journal articles focusing on a particular country were limited to two. Conclusion: We observe that the challenges of m-payment apps from users’ perspective are mostly denser than other perspectives. Users’ and regulators’ concerns converge only so thinly. Only regulators’ task of enlightenment of users/customer of about demonetization policies mirrors one of users’ concerns, perceived trust. Users and merchants are both concerned with perceived risk and perceived ease of use concerns. The challenges of regulators as regards m-payment apps are quite dissimilar to those of merchants. In all, the observed disparate (or thin similarity of) concerns of the different m-payment app stakeholders strengthens the need for such an inclusive review done in this work.

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Section: Citationmentioning

confidence: 99%

Section: Technology and Innovativeness (Ti)mentioning

confidence: 99%

See 1 more Smart Citation

Mobile Payment Applications in Countries with Low Financial Inclusion: A Multi-stakeholder Perspective Review

Stephen B. U.,

Archibong E. E.,

Asuquo P. M.

2024

JERR

View full text Add to dashboard Cite

show abstract

“…One-time password (OTP) and biometric features like fingerprint, voice, or facial recognition must be used if the mobile banking app supports them to authenticate the identity [28]. In order to help capture illegal acts, the user can see where the sale takes place along with the name and number of the dealer [29][30][31][32][33]…”

Section: Supporting Transactionmentioning

confidence: 99%

A Review on Electronic Payments Security

et al. 2020

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Modern technology is turning into an essential element in the financial trade. We focus the emphasis of this review on the research on the E-wallet and online payment, which is an element of an electric payment system, to get the pattern of using this service. This research presents a review of 131 research articles published on electronic payment between 2010 and 2020 that uses a qualitative method of answering the research questions (RQ): RQ1: “What are the major security issues regarding using electronic payments”? and RQ2: “What security properties need to comply for secure electronic payments?” With the systematic literature review approach, the results show that interest in E-wallet and online payment has grown significantly during this period, and it was found that for the increasing uses of electronic payments, researchers are more focused on security issues. The results show that, to conquer the key gaps, electronic payment must have some protection properties, namely, availability, authorization, integrity, non-repudiation, authentication, and confidentiality. Nowadays, security problems in electronic payment are usually more demanding than the present security problems on the web. These findings can enable electric transaction providers to strengthen their security methods by boosting their security gaps, as required for relevant services.

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“…Science and technology innovation is the first driving force to lead economic and social development and also the fundamental driving force to promote the progress of human civilization [1][2]. In regional economic and social development, scientific and technological input and output performance play an important role and can play a good technical guidance role for regional development [3][4]. Currently, regional innovation development is in a multi-dimensional and multi-body situation [5].…”

Section: Introductionmentioning

confidence: 99%

Optimization of Urban Science and Technology Innovation Performance Assessment Model - Based on VAR Methodology Perspective

Zhang

2024

Applied Mathematics and Nonlinear Sciences

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Conventional science and technology performance assessment methods and indicators can no longer meet the current needs of urban science and technology innovation performance assessment, and innovative research is urgently needed. In this study, the four elements of innovation input, innovation process, innovation output, and innovation guarantee are taken as the first-level indicators of the urban science and technology innovation performance assessment index system. The G1 entropy value correction method is used to assign weights to the urban science and technology innovation performance assessment index system to reduce subjective arbitrariness. Finally, the specific situation of innovation elements and innovation performance in S city was selected, and the influence relationship between innovation elements and innovation performance assessment was analyzed using a vector autoregressive model. The results show that the method of assessing the city’s science and technology innovation performance based on the VAR model is simple and easy to operate, the confidence coefficient of the assessment model is more than 0.7, and the mean value of the validity CVR is 0.703. The assessment results have a high degree of credibility and validity and effectively promote the region’s scientific and technological self-reliance and self-improvement.

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Evaluation of M-Payment Technology and Sectoral System Innovation—A Comparative Study of UK and Indian Models

Cited by 5 publications

References 56 publications

Mobile Payment Applications in Countries with Low Financial Inclusion: A Multi-stakeholder Perspective Review

Mobile Payment Applications in Countries with Low Financial Inclusion: A Multi-stakeholder Perspective Review

A Review on Electronic Payments Security

Optimization of Urban Science and Technology Innovation Performance Assessment Model - Based on VAR Methodology Perspective

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